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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,024 |
WILSHIRE ASSOCIATES INCORPORATED2+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,212 | $23,224-81.9% | $71,089-94.1% | $55,725-92.4% |
| Participation rate | 22.6% | 37.9%-15.3pp | 54.6%-32.1pp | 70.9%-48.3pp |
| Annual return | -20.45% | -2.87%-17.6pp | 650.65%-671.1pp | 244.93%-265.4pp |
| Employer contribution / active EE | $222 | $436-49.1% | $1,088-79.6% | $2,078-89.3% |
| Participant deferral / active EE | $470 | $929-49.4% | $1,873-74.9% | $3,356-86.0% |
| Admin fee / account holder | $50 | $118-57.3% | $3,082-98.4% | $115-56.2% |